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保険会社の視点からみると、最低限、保険契約者が支払う金額を設定しておくことで、頻繁に保険を使用されることを防ぐ意味合いがあります。 ペット保険の免責金額とは、主に「ペット保険を利用する際に、最低限契約者側が支払わなくてはならない金額」ということになります。特に、難病や処置が難しい症例にかかった場合で、免責金額が気にならないほどに医療費が高額になったときは、上記のメリットが強く感じられる場合もあります。 この場合、診療費が２万円を超えないようなペット保険の場合、免責金額２万円の段階で、治療費の全てをペットオーナーが支払うことになってしまいます。